I Can Buy It, But Can I Afford It

Author: Katrina I can buy it, but can I afford it. Sounds pretty simple right?  It is! This last year has been a very educational year for me in terms of finances and managing my money. Every day I am improving and I am further along than I ever thought I could be. I’m actually really enjoying learning everything there is to know about personal finance especially when it comes to my bad habits. Since starting my landscaping business which is a passion of mine, earning extra money has been an eye opener for me. I have also been able to engage in a few money conversations and actually feel comfortable having an idea of what I am talking about. One of those conversations happened just this past weekend. What Can You Afford? I have always enjoyed talking with my one Uncle and this time we talked about money! I loved it! Even more I loved what he shared with me. He mentioned that when he talks finances with people he always brings up the phrase…. ‘I can buy it, but can I afford it’?  These were just the words I needed to hear. Simple and easy to say to myself, which I will…over […]

Shopping Tips We Use To Save Money

Shop and Save The Smart Way Advertisers are brilliantly skilled when it comes to making us believe we are getting more for our money but we have the final say in what we buy. Strategically planning your shopping means you invest some time in saving money in your budget. Shopping can and does cause people to spend more than they earn which leads them to run out of money before the end of the month.  Don’t let that happen to you. Shop smart and plan your shopping and you will see that  the time you invest in your shopping will pay you back over the long-term. Shopping tips we use to save money Shop for Coupons:  We look for online coupons before we shop – Nearly every major company in Canada has a website and includes coupon codes, promos and printable coupons. Keep an eye out for coupon codes that also promote free shipping as that sometimes can add up when you check out. We also use coupons that the manufacturer has put out for consumers. Shop In Bulk:If there is a product that we use often and the price is right we buy it in bulk. For example: We like to […]

Make The Most Out Of Black Friday Deals Without Crossing the Border

With at least 18% of Canadians expected to cross the border to enjoy deals on Black Friday in the U.S., some might be wondering if it’s even possible to save money from within Canada? I’ve been blogging about shopping deals and frugal living in Canada for a few years now, and I wanted to share some of my best tips to get the most out of your Black Friday shopping in Canada. That’s right, there are some great discounts to enjoy on our side of the border too! Black Friday Deals in Canada Since the Canadian dollar is now on par with the U.S., many Canadians have picked up the habit of crossing the border to shop the Black Friday sales. Now, Canadian stores aren’t blind, they have taken note, so that more and more Canadian retail stores are also offering comparable deals on Black Friday to keep paying customers on Canadian soil. Shopping the Black Friday deals in Canada avoids the long waiting lines at customs and the crazy hordes in shopping centres while saving money on gas too. Some offers might not be as good as what’s on offer in the U.S. (it’s getting closer though). But you also need to take into consideration […]

Scanning Code of Practice (SCOP) In Canada…Did You Know?

Scanning code of practice

  Keep An Eye On Scanned Prices    Scanning Code of Practice, if it sounds like legal jargon to you don’t worry that’s far from the truth. What is your reaction when something rings in more expensive than advertised on the shelf at check out? My reaction is to jump up and down in excitement! Huh?!?! Yes, you heard me. I look forward to being overcharged on a product. Now I am really confusing you aren’t I. Now that I have your full attention, I can explain myself.   Scanning Practice (SCOP)   What is the Scanning Code of Practice? (SCOP) A little secret that a lot of shoppers do not know about is something called “SCOP”. The Scanning Code of Practice (SCOP) is a promise from the retailer to their customers that there will be accurate scanning at the register on all Universal Product Codes (UPCs). SCOP is a scanning code that almost every major retailer in Canada abides by. If you are unsure you can ask or keep your eyes open for the scanning code of practice photo (you will see it in this blog post) of SCOP on the entry doors or at the cash register where you scan your debit […]

Buying Clothes from Second Hand Shops..Is it worth it?

Do you shop at Thrift Stores? Many of these second-hand shops offer new or gently used clothing, accessories and household items for a fraction of the cost at a retail store. Who wouldn’t shop there first, right? Wrong! Some people take a look around them when they attempt to walk in a second-hand shop to make sure no one they know is around.  Myself I waltz right in as I just love second-hand shops. Tip: If you are worried what your neighbour or mate might say because they see you in the store ask yourself this “If they see you then you must see them” so what? Who cares? The stigma put on second-hand shops that they are for the poor or for starving students is WRONG. These stores such as Value Village, The Salvation Army Thrift Store ( Sally Ann)  have grown in popularity in exponential rates over the past decade. Why? The answer is easy many people now see the value in second-hand items. They also see the savings and understand  the cost to the environment and the re-use value.  Most clothing if not donated ends up in clear bags ending up in our landfills. We need to […]

Product Price Adjustments Don’t Miss The Savings!

Are you aware that some Canadian big box and grocery stores have a Price adjustment policy? If you are then you know about the great savings you can pocket if you keep your eyes and ears open. If you aren’t aware read on and learn how you to keep money in your pocket. We all know about returning products as I’m sure we have all done it at some point in our life. Once you have finalized a buy it is now your product. Most stores offer a return policy for unopened, unused or defective product. On a cautionary note be aware of a possible restocking fee. Typically stores have anywhere from 30-90 days for a return policy. What is a Price Adjustment Policy? What most people don’t know is the Price Adjustment Policy for most stores. If you buy a product and the exact product goes on sale cheaper than what you purchased it for then you can get a price adjustment. Keep in mind the price adjustment policy time frame. This is why it is imperative to always keep your receipts. You can take the original receipt to customer service and ask for a price adjustment. A price adjustment is […]